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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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help with Charges from my DWP money. Confused

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i am hoping someone can help me with an issue i am having with Natwest. Basically i am getting charged stupid money ( charged today £70 for a pos i made on the 16th - even tho there was money at the time, but there was also a DD coming out)


ok so, i rang Natwest and explained that them taking £70 ( making me £65 overdrawn) leaves me with £5 when my next lot of DWP money goes in at the weekend. Which is not enough to feed 5 people and run the car to get the children to school. I have read thro the other threads about banks takig charges from DWP money but when i tried to tell them about this on the phone i was snubbed off, with them telling me they havent broken any laws or anything. and now i am totally confused. The DD that came out of my account was for my car insurance which tbh i had totally forgotten about ( i have been ill the last few months with mental health issues).


So natwest tell me that i am spending my DWP money before i get it ( the DD and pos) and thats why they are taking £70 from me.


after giving them a bit of a month full they agree in the end to pay 50% of the money back into my account and i will still be charged £28 at the end of the month.


Is there anything i can do about this? or am i stuffed becuase i forgot the date that the DD was coming out my account?


Any help is more than appreacted


Thank you for your time.

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That is incorrect because DWP or benefits BY LAW cannot be taken from you even if you are over an agreed overdraft. It is the Law plain and simple. Pop into your local branch and ask to withdraw the money, all of it, if they say no, then tell them to phone their lending centre and tell them that it is benefit money. They will then give that to you 100%.

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This happened to me also, Abbey took all of my dss benefits to pay for charges even though I had never before been overdrawn in 15 years. since I had the account.

which left me with £17 to live on for a fortnight which caused extreme hardship as I had no money to put in my electric & gas meter and no money for food.

That is why I am in the process of reclaiming my charges back.


I did not know that this was illegal and I bet others dont either


:rolleyes: shazzy :rolleyes:

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